your photo, as saved to the computer, is a bitmap. use a bitmap editing software (adobe paint-can't-remember-the-rest-of-its-name, ms paint, Microsoft Office Picture Manager (my personal favorite for super-simple editing tasks), etc.
every program takes you through different steps to change the size, resolution, format, etc. of your bitmaps. individually, or in combination, these qualities effect the final size of the file.
or ... since you like to outsource, you could try emailing it to me. if it isn't too big to get past your mail handler, i'll resize it for you and send it back. tooooooooo easy. :-)
[email protected]
P.S. You are NOT lazy. Quilting is supposed to be fun. If there are steps you dislike, there's nothing wrong with paying somebody else to do them. less stress and more time to do the parts you enjoy ... more income for somebody else. sounds like a win-win to me.